Who we are
We are Polynya Consulting Actuaries Limited, a company registered in England and Wales with company number 12840723. Our registered office address is: 17-19 Market Street, Kirkby Stephen, Cumbria, England, CA17 4QS. Our website address is: https://polyact.co.uk.
You can contact us using our contact form or by post at the address above.
General
We take the privacy of our website visitors seriously and are committed to safeguarding it. This policy governs the manner in which this website collects, uses, maintains and discloses information collected from users. This policy applies to all products and services offered by this website and sets out how we will treat your personal data.
We last updated our Privacy Policy on 22 October 2020 and may make further changes from time to time by posting a new version on our website. Those changes will then apply to any future use by you of our website. You should check this page occasionally to ensure you are content with any changes.
There are various laws and regulations which apply to the use of your personal data and website cookies. The most recent changes relate to the Data Protection Act 2018, which incorporated EU directives relating to the General Data Protection Regulation 2016 (GDPR).
We take all reasonable precautions to protect any personal data that our users may input via this website. We cannot, however, be responsible for loss or misuse of personal data which is intercepted or otherwise accessed by unauthorized persons. We therefore exclude all liability for this.
Using your personal data
We are only able to use your personal information for certain legal reasons set out in data protection law. In most cases, we will use your personal information for the following legal reasons:
- Contract Reason: this is in order to perform our contractual obligations to you under any contract we have entered into with you.
- Legitimate Interests Reason: this is where the use of your personal information is necessary for our (or a third party’s) legitimate interests, so long as that legitimate interest does not override your fundamental rights, freedoms or interests.
- Legal Obligation Reason: this is where we have to use your personal information in order to perform a binding legal obligation.
- Consent Reason: this is where you have given us your consent to use your personal information for one or more specific reasons.
We need some of your personal information in order to provide you with services. For example, we need your email address to communicate with you by email. If you do not provide us with the required personal information, we may be prevented from supplying the services to you.
It is important that you keep your personal information up to date. If any of your personal information changes, please contact us as soon as possible to let us know. If you do not do this, then we may be prevented from supplying the services to you .
In addition to the uses identified elsewhere in this Privacy Policy, we may use your personal data to:
- Improve your browsing experience by personalizing the website.
- Send information, other than marketing communications, which we think may be of interest to you, by email or similar technology.
- Send to you marketing communications relating to our business which we think may be of interest to you by email or similar technology. You can inform us at any time if you no longer require marketing communications to be sent to you.
We will not, without your express consent, pass, sell, trade or lease your personal data to any third parties for any reason.
Cookies
Cookies are small text files stored on your computer. They cannot be used to infect your computer with a virus or allow malicious code to run on your computer. Cookies cannot access any other information on your computer, so any privacy concerns related to cookies are in respect of tracking sites you browse. To learn more about cookies and how to manage or disable them, visit http://AboutCookies.org.uk.
We use cookies on our website, in order to:
- Make your online experience more efficient and enjoyable, for example to make it easier for you to comment.
- Administer the website and improve our services.
- Obtain information about your preferences and use of our site.
- Carry out research and data analysis to help us to improve our content and services and to better understand our customer preferences and interests.
There is a notice about our use of cookies on our homepage as well, which links back to this policy. If you use this website after we’ve displayed the notice to you, we will treat this as your consent to our use of cookies.
For most modern web browsers, the default is to accept all cookies, and it is possible to manage cookies saved on your computer. For example you may wish to accept all cookies or reject all cookies. Please note that if you change/block cookies then some parts of our website may not function properly or as well as they otherwise might. Changes you make in your web browser will apply across all websites that you visit (unless you choose to block cookies only from particular websites), and changes will only apply on the device on which you change the settings and will not apply across all other devices that you use.
Embedded content from third party websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from third party websites behaves in the exact same way as if you have visited the third party website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Third party websites are responsible for the cookies they set on
our site and we have no control over them. For further information on how their cookies policies work, please visit their websites.
Analytics
We may collect information about your computer and your visits to this website such as your IP address, geographical location, browser type, referral source, length of visit and number of page views. We only use this information in the administration of this website, to improve the website’s usability and for statistical analysis.
What rights you have over your data
Under data protection law, you have certain rights in relation to your personal information, as follows:
- Right to request access: (this is often called ‘subject access’). This is the right to obtain from us a copy of the personal information that we hold about you. We must also provide you with certain other information in response to these requests to help you understand how your personal information is being used.
- Right to correction: this is the right to request that any incorrect personal data is corrected and that any incomplete personal data is completed.
- Right to erasure: (this is often called the ‘right to be forgotten’). This right only applies in certain circumstances. Where it does apply, you have the right to request us to erase all of your personal information.
- Right to restrict processing: this right only applies in certain circumstances. Where it does apply, you have the right to request us to restrict the processing of your personal information.
- Right to data portability: this right allows you to request us to transfer your personal information to someone else.
- Right to object: you have the right to object to us processing your personal information for direct marketing purposes. You also have the right to object to us processing personal information where our legal basis that we have a legitimate interest in doing so, and there is something about your particular situation that means that you want to object to us processing your personal information. In certain circumstances, you have the right to object to processing where such processing consists of profiling (including profiling for direct marketing).
In addition to the rights set out above, where we rely on consent as the legal reason for using your personal information, you have the right to withdraw your consent at any time. If you wish to withdraw your consent to the use of some or all of your personal information, please contact us using the details set out at the beginning of this Policy.
If you want to exercise any of the above rights in relation to your personal information, please contact us using the details set out at the beginning of this Policy. If you do make a request, then please note:
- We may need certain information from you to verify your identity.
- To the extent permitted by law, we may charge a reasonable fee for exercising your rights.
- If your request is unfounded or excessive, then we may decline to deal with it.